The average yield among the nations’s top six bank credit card issuers came in at 11.16% for the second quarter. Capital One (COF), the nation’s fastest growing major credit card issuer, again posted the highest yields, besting the average by 279 basis points (bps) in the second quarter, according to CardData

Visa and MasterCard U.S. debit card gross dollar volume (GDV) rose 6.2% year-on-year (YOY) in the second quarter to $649 billion. Over the past four quarters Visa and MasterCard have racked $1.822 trillion in U.S. debit card GDV, according to CardData.

U.S. credit card outstandings end-of-period (EOP) among the Big 6 issuers rose by a mere 2.3% year-on-year (YOY) in the second quarter to $474.5 billion. Capital One (+11.0%) and American Express (+6.9%) YOY led the pack, with Discover (+4.2%), while Chase was flat, BofA (-0.6%) and Citibank (-4.2%), cleaned up the rear, according to CardData.

Target, the nation’s most innovative retailer, will start testing beacon technology in 50 of its stores nationwide. With beacon technology, the company says it will be able to send information about deals as well as recommendations directly to consumers’ smartphones, provided they opt in to receive these alerts.

BitPay has nailed several partnerships with payments companies from around the globe. During the first half of 2015, the company has signed deals with PSPs Payfirma, Sonic Payments, BillPro, Kadu, OpenPay, and Ixopay. These payments companies are based on three continents and, in total, serve more than 100 countries.

SNAP card benefits are being extended to Wisconsin and New Mexico thanks to FL-based FIS. More than 205,000 households in New Mexico are enrolled in Supplemental Nutrition Assistance Program (SNAP), and more than 450,000 households in Wisconsin receive benefits via SNAP or Women, Infants and Children (WIC) – both federal programs created to provide support to individuals and families.

A majority of small business owners are unaware of the impending EM liability shift coming in October. Less than half of small business owners who accept point-of-sale card payments today report being aware of the October 1 liability shift, the date when a card issuer or merchant that does not support EMV chip card technology will assume liability for any fraudulent point-of-sale card transactions.